Theo-Neil

Theo-Neil asked about the near-term growth opportunities and strength ranking across the three core products and overall market share for both the Consumer and Enterprise divisions.

Answer

Lincoln Mali (CEO, Lesaka technologies) highlighted account growth (especially from Postbank migration), the new lending product, and expanding insurance beyond the EPE base as key Consumer division drivers, with BankZero offering medium-term opportunities. Naeem Kola (Group CFO, Lesaka technologies) explained that the Enterprise division's Q4 run rate of ZAR 30 million adjusted EBITDA, excluding reorganization costs, is the foundation for building towards a greater than 10% contribution to the full-year guidance, following a year of significant platform investment and distribution network growth.

Theo-Neil inquired about the near-term growth opportunities and market share strength across Lesaka Technologies' three core products within the Consumer division. Theo-Neil also asked for a ranking of near-term growth expectations for the Enterprise division's core products and market share.

Answer

Lincoln Mali (CEO, Lesaka technologies) highlighted account growth from Postbank migration, the new lending product, and expanding insurance offerings beyond EPE beneficiaries as key Consumer division opportunities. Naeem Kola (Group CFO, Lesaka technologies) stated that the Enterprise division, after a transition year of investment and integration, is expected to build on a ZAR 30 million quarterly EBITDA run rate and contribute over 10% to the full-year guidance.